Flagstar Bank Home Loan Center

Reviews

• BE

  Brianna Erdmann

  Sep 23, 2025
  5.0
  ⭐⭐⭐⭐⭐ If you’re looking for the BEST mortgage lender out there, look no further than Ralph McCarthy at Flagstar Bank! Ralph is not only incredibly knowledgeable and professional—his communication skills are absolutely unmatched. From day one, Ralph made the entire mortgage process feel effortless. He is the kind of person who will pick up the phone, answer your emails quickly, and make sure you’re never left waiting or wondering what’s next. At every step, he kept us updated in real time and explained things so clearly that we always felt confident and informed. Buying a home is a big, sometimes overwhelming process, but Ralph’s calm, upbeat, and detail-oriented communication style took away all the stress. He checked in regularly, anticipated questions before we even had them, and made sure we always knew exactly what to expect. It honestly felt like having a close friend guiding us through the process. It’s rare to find someone who combines expert knowledge, professionalism, and such a genuine gift for communication. Ralph doesn’t just “do his job”—he builds trust, connection, and confidence every single step of the way. If you want a lender who will listen, explain, reassure, and celebrate with you, Ralph McCarthy is the one. I cannot recommend him enough—he truly made this entire experience positive, exciting, and successful. Thank you, Ralph, for setting the bar so high. You didn’t just help us close on a home—you gave us peace of mind through your outstanding communication and dedication.
• CW

  Cynthia Weeks

  Sep 21, 2024
  1.0
  I was told when I signed my mortgage that when the loan to value ratio got down to 80% or less I could request that the PMI be removed. My last month's payment put this value under 80% so I submitted the form to have this PMI removed from my loan. I received a letter back stating that I had to pay $190 and then they would contact me to set up a time to appraise the property. And then they still have 30 days to let me know if they approve the removal. Sorry but I think that an excellent credit rating and on time payments for 4 1/2 years should be enough. I would absolutely never recommend this company and I am looking forward to the day that I sell and no longer have to deal with them.
• HH

  Heidi Holmes

  May 23, 2024
  1.0
  Worst customer service and most inept firm at handling payments I have ever witnessed. DO NOT USE THIS FIRM. My mortgage was sold to this firm and I have had nothing but problems with them crediting payments appropriately despite multiple phone calls to insure that payments were correctly credited. Run as far and as fast way from doing business with. I’ve been transferred to many people in the company. Multiple calls to handle issues and the response has been met with. “ We will note this is in the “the voice of the customer”. They do not have an app to see your account. They want you to use their “my loan” website which is antiquated and has little functionality. Worst company.
• SH

  Selina Baafi Hernandez

  Sep 20, 2023
  1.0
  I am not even able to give a them one star considering my recent experience with Flagstar Bank. Let's just say as a mortgage company they are quick to take and process your payments. However good luck getting through to customer service to resolve any issue for you. Even when they admit that they as a bank are in the wrong, they will NEVER resolve your issue to your satisfaction. This is a bank that operates on the premise of, the bank needs first, customer - maybe comes next. It has been three months now since I have been trying to get this bank to endorse my open insurance claim checks. They made an error initially and sent the checks to me unendorsed. I contact them to troubleshoot the issue, which they admit was a mistake on their end. But they do nothing to fix it other than putting all the work on me to resolve this. I remailed the checks via overnight delivery to them, at a cost to me, with no reimbursement from them for re-mailing cost of an issue stemming from them. They claim to have mailed the checks back to me and it has been close to 5 weeks now with no checks in sight. I called them only for them to plainly tell me, "go ahead and request a reissue from your insurance company". There is NO guarantee whatsover that they will resolve this issue in a timely manner. They just do not care for you as a customer. Let's just say it is high time to take my business elsewhere.
• CZ

  Cristy Zupancic

  Aug 4, 2023
  1.0
  Received a letter from Flagstar stating Notice of servicing transfer to a new bank. I still continue to get statements from Flagstar Bank with an amount due. Called to resolve and was told to keep ignoring the statements. They refused to give me any documentation that I no longer owed Flagstar.

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